Friday, September 22, 2006

More fun with checks

I'm just a trouble magnet when it comes to checks - payroll or otherwise.

I have the litany down pat now whenever someone wants to cash a payroll check. These are my criteria.

1. I look at the check. Everything on that check better be printed but the signature. If not, no dice. I don't care if it says LORD GOD ALMIGHTY, 100 PEARLY GATES, HEAVEN as the business name - you're not cashing a handwritten check here. And you're especially not cashing a third-party check.

2. Do you HAVE a social security number? If you don't then you're in the country illegally and you can't work and earn money legally. If you do, do you know it. You'd be shocked how many people don't know their SSN. I had to wait for 10 minutes the other day while this one girl screamed at her mother over the phone "Mom, I'm standing in line. I need the money. Get up and find my social security number!"

3. Do you have a U.S. drivers license? Not a passport. Not a foreign DL. Not any other sort of ID but an honest-to-goodness drivers license issued by a DMV somewhere within the 50 states.

I was trying to cash a check for this kid Saturday and he had a social and a DL. It wouldn't go through. Sometimes this happens when the company behind the check has failed to make their payroll. So Wal-mart refuses to give out money on the checks, because there's no guaranteed that what we sent to the clearinghouse will be honored.

I explain that I'm very sorry, I can't cash the check, and I give him a 1-800 number to call on Monday morning. Well, Sunday, he rolls back up in there with Mommy and demands to talk to a manager. Mumsy-Wumsy tells the manager that I "refused" to cash her widdle precious boy's check.

Manager looks at me. "What's the deal with this check?"

I'm like "It wouldn't go through. You try." He tries. Same result. I stare the mother-witch down. Vindication is so sweet.

He gives her the same 1-800 number I gave the spawn. This kid must be seriously damaged if he thinks Mumsy-Wumsy is going to force a retailer to cash a $196 check just on her say-so. As if.

It was almost as good at the two gentlemen of Mexican origins, who were trying to use a fake Social Security number that one of them had to cash checks for the other one.

I couldn't figure out why the checks weren't going through and finally called one of the Spanish supervisors over. She knew this game and starts quizzing them real fast in Spanish. They grabbed the checks, the fake card and took off. She was laughing when she told me.

25 comments:

Freedomboy said...

Watch that SS Number stuff, very illegal to even ask for one. Federal Law trumps your little deal here honey

Ol' Lady said...

wow! no where will cash cheques here, only the bank and that's if you have an account...3rd party cheques..hahaha not going to happen in a million years.

Chimera said...

And just to add to the kafuffle about the SSN...what if the person doesn't drive, and therefore has no drivers' license?

Anonymous said...

freedomboy... that's a load of crap and you know it... it's perfectly legal to ask anyone for any information... you can't compell them to release that info, but you damn sure can ask for it!!! If they want to use your service then they will decide whether or not to give you that information. Get it right, or shut up!

Anonymous said...

Hey dipshit, a passport is more reliable and less likely to be fake than a dl. Banks accept it, why can't you. Probably because your miserable life is so dismal, you have to "lord over" whomever you can with what little authority you have leveraged. Get a life! I'm shocked your're not a mall security weenie, you seem like the type. And it is not legal to ask for or require a ss# as ID.
As for anonymous post to Freedomboy, check the wikipedia article on Social Security number...and also realize that, in this era of rampant identity theft, only a complete moron, such as yourself and the original blogger, will give out their ss#.
Niff said, methinks.

The dykes next door said...

Anonymous #2: BBC works at Wal-Mart. They have procedures. I doubt very seriously that BBC just does these things on his own. Wal-Mart is very greedy, and I am sure that they watch every penny that changes hands in their stores. And I am also fairly certain that BBC followed the procedures for cashing checks as outlined by Wal-Mart. If the policy manual says no passports, then BBC cannot use passports, or else he would not be following company policy and would probably get fired.

It is not illegal to ask for someone's SS#. I have a loan, and I have to give my SS# every time I make a payment. That is the way the account is listed. My insurance card also lists my policy number as my SS# with a letter after it. I also have forms that I have to fill out at my job that require me to list my SS#. So I don't think that it is illegal to ask for someone's SS#.

In Louisiana, our DMV puts out State IDs for those who do not drive. They are official IDs, and they are accepted like DLs. I would think that one of those would suffice for identification. But then, I don't know what the Wal-Mart policy is about these. Probably because I'm not a pompous ass like Anonymous #2.

Anonymous said...

Wow some of you are mean people. I don't understand why these customers don't have a bank account (checking/savings) and continue to use check cashing services.

Carmen said...

Probably because they screwed up their first checking accounts & cannot open another anywhere until they pay it off. Therefore, forced t live in the check cashing world. It is a huge business, these check cashing places. Capitolize on those who have screwed up.

(and anonymous #2,you sound oddly like the bitch who attacked restaurant customer service on my blog...and mine was not even serious!)

Eyebrows McGee said...

Out of curiosity, why can't you take passports in place of drivers' licenses? Is the system just not set up to take those numbers?

kaniff said...

Chimera: Most states will issue an identification card that is the equivalent of a driver's license.

Anonymous said...

attention idiot: passports are accepted as legal ID in all 50 states.

Ol' Lady said...

hey sweetie, you show no profile or email addy. I have an interesting item I wanted to send to you...can you contact me over at my place so I could email to you? I hope you do :)

Anonymous said...

I cannot believe that passports are unacceptable. Don't you realise that they are the safest and most legitimate form of identification you can possibly have??

Anonymous said...

Dear MZZZZZZZ Dykes nxt door: Insurance companies especially LA are not issuing different id with out SS# for insurance purposes. Just check with Blue Cross. I don't give my SS to anyone unless it sometype of very legitimate purposes. NEVER EVER Just to "purchase" stuff. And in the state of Louisiana, I believe it is illegal to ask for and /or write a SS# on a check for purpose of either cashing or paying for an item. I no it is illegal as hell to use Credit cards for ID anymore. I can remember having to provide a DL and credit card to some idiots. If I am ask for ID I will show my DL but don't you dare write the information on my check. I will give your merchandise back to you. Sorry about the tirade.

Anonymous said...

Anonymous said: "Not " in the line about LA and Ins. ID's. The insurance company is NOW issuing policy and id numbers that areNOT SS numbers. OK Getting off the soap box now. A

Anonymous said...

Far be it from me to defend WalMart, but they're a business. If you want their $$ (cashing a check) you've got to play by their rules. If they say no passport, no passport.

Rules are changing on SS# - my insurance no longer lists my SS# as my policy, and at my place of work, SS#s are beginning to be verbotten to use.

Regardless, I daresay WalterWorld has more lawyers than my small state has people. If they're asking for a SS#, I have no doubt they're legally within their rights. Otherwise, there would be a line right out them double doors with people ready, willing, and able to sue the pants off of Mr. Sam.

Anonymous said...

I'm a manager at Publix and have worked at 5 different stores. Some stores require different things to cash checks. The store I manage now has the strictest policy that the Store Manager has put in place. To CASH any check we have a six step process. This can be completed in any order. Verify employment, verify bank funds, fingerprint you, take your picture, copy you drivers license, and need to see a 2nd form of ID such as a SS# or passport. Guess what? We have 0 bad checks sent back to us. At all of my previous stores where the policy was much more relaxed, we had about 10 bad checks a week. It may be a hassle for the customers, but Publix has every right to do it. Remember, companies like Wal~Mark and Publix are not banks!

Randy M said...

I wrote an e-mail to the department of Treasury a few years back about the subject of Social Security numbers.
A company that requires a Social Security Number for any reason, then the company is required to give a legal notice about the specified reason for the need of the Social Securty Number. If the notice is not given by the company at the time that it recieved the Social Security Number then the company has obtained the number illegally.

The solution for your check cashing problem is to have a placard
with the procedure of how it is done and outline all the required information required. Make the customer read it, and make sure the customr understands it.

The would clear Wal-Mart for the most part if the it became an issue at a court.

Anonymous said...

In the past Wal-Mart has had a bad history with complying with federal law about Social Secerity Numbers.

I remeber one time entering a local Wal-Mart there was a employee handing out a wal-mart survey. On that survey there was a space for a Social Security Number. This is illegal under Federal Law. When I mentioned this to the employee several of the other people taking the survey walked away.

Wal-mart upper management needs to think about its policy on SSN's. In the wrong hands a SSN can easly be used to destroy someone's life.

adam said...

Well, I'm currently a CSS @ Publix. We DO NOT accept SSN's only.

What we do accept is -
State Issued Driver License
Identification Cards
& finally Passports

We do NOT accept school ID's children!

Also, costumers need to realize Publix & any other Company that cashes payroll checks has the RIGHT TO DENY this service.

For a $400 dollar check Publix charges a $4 fee. If the check is fake then they have to cash 100 more just to make the amount they lost back.

Each store has different methods & limits to checks.

The first store I worked @ limit was 350 & we verified employment.

The current store I work @ we accept checks up to $500 (cooperate policy) & we will verify funds from the bank. I explain the the customers if the company you work for isn't on the list of banks that verify funds then I WILL NOT cash this check. It is very easy to make counterfeit checks. I will not explain the process as I don't want my company to lose more money :P. My advise to corporate is to STOP cashing payroll checks. Unlike Wal-Mart, are systems don't automatically deduct the amount of the check from the account written on the check. It isn't deducted until it goes to the bank the next day.

shinta13 said...

@ chimera -

then there check will not be cashed as they don't have proper identification.

adam said...
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adam said...
This comment has been removed by the author.
adam said...

@ quote

~~~~~~~~

Anonymous said...

I'm a manager at Publix and have worked at 5 different stores. Some stores require different things to cash checks. The store I manage now has the strictest policy that the Store Manager has put in place. To CASH any check we have a six step process. This can be completed in any order. Verify employment, verify bank funds, fingerprint you, take your picture, copy you drivers license, and need to see a 2nd form of ID such as a SS# or passport. Guess what? We have 0 bad checks sent back to us. At all of my previous stores where the policy was much more relaxed, we had about 10 bad checks a week. It may be a hassle for the customers, but Publix has every right to do it. Remember, companies like Wal~Mark and Publix are not banks!
~~~~~~~~

my god o.o

what store # is this?

My store process. Verify funds, fingerprint, write Driver License # on check & fingerprint.

We don't take pictures of the customers & if your store does then it is a WASTE.

Remember, if you can verify funds but still feel uneasy there is always that nice computer with that nice little program on it ;)

We will verify funds from the bank, if I can't then I will get a managers permission to verify employment. note - I will not cash the payroll check that has been verified only by employment unless a manager initials it.

Braylen Segundo said...

If this was me and I was a hispanic immigrant from another country but Ihad the right to work here but didn't have a ssn card but an ITIN and Ihad a consulate I..d. and you refused to cash my check just because your a dumb racist broad that has no clue of anything exept utter stupidity.yea i would be happy taking you to court for discrimination because that's what your doing.YOU are not immigration nor do you work for them.so whatgives you the right to say no ssn card and no united states id. YOU CAN'T bimbo..immigrants here on a visa to work have an ITIN and yes they can legally make money here just as everyone has for ages that migrated,2nd consulate Ids are a legal form of Id as well as passports or license from mexico.yes ma'am they are.how do Iknow because my illegally here husband that has a visa to work here has no ssn but has an ITIN.he doesn't have a united states Id but he does have a mexican dL. You seriously need to.know your facts before being racist so you don't look lik an ignorant fool cause Iwould straight call you out on your stupidity.look around sweetie its a hispanic world your overrun and underpaid.its sad my illegal husband makes 20 an hr while your going crazy for.10 an hr guess that's why you complain.and no my husband didn't take your job or are you gonna climb 20 ft in the air to build a building?? Get real..idiot..AS IF!!!